Because when Lori's hours got cut at work, she fell behind on her bills.

Part of that debt was turned over to a new collection agency in Tulsa called CFS-2.

Inside it looks like any other collection agency -- but if you listen in on the calls, you realize it's not.

The company is owned by Bill Bartmann. Bartmann operates on the basic premise that people in debt -- don't have money. So why brow beat 'em?

Bill says he does not hire debt collectors. Instead, he hires people with customer care experience. And rewards them -- not for how much money they bring in -- but for how many free services they provide.

The goal is to get debtors back on their feet -- be it through government assistance, housing, even helping build resumes.